Insurance and Claims

Washington State provides liability protection for authorized use of state vehicles through its self-insurance program. Separate commercial insurance may also be available for scheduled vehicles to cover physical damage resulting from an accident or collision.

This may apply when: a college or state vehicle is involved in an accident, damaged, or needs to be added or updated for insurance purposes.

Employee Resources: 
Link to SharePoint Insurance Folder 

Aviation insurance provides specialized coverage for certain College aviation activities because aviation exposures are generally outside the State Self-Insurance Liability Program. Depending on the activity, coverage may include aircraft liability, physical damage to aircraft, airport operations, and other aviation-related risks.

This may apply when: a college program owns, operates, maintains, or uses aircraft or conducts activities associated with covered airport operations.

Employee Resources: 
Link to SharePoint Insurance Folder 

Cyber liability insurance provides protection associated with certain information security, privacy, and cyber incidents. Depending on the circumstances, coverage may address privacy incidents, regulatory matters, electronic media liability, cyber extortion, data protection, network business interruption, and certain costs associated with responding to an incident.

This may apply when: There is a cybersecurity incident, data breach, privacy incident, ransomware event, or other significant information-security event.

Employee Resources: 
Link to SharePoint Insurance Folder

The Public Employees Fidelity Blanket Bond protects the State from certain financial losses caused by fraudulent or dishonest acts committed by employees.

This may apply when: there is suspected employee theft, fraud, embezzlement, or another dishonest act resulting in financial loss.

Employee Resources: 
Link to SharePoint Insurance Folder  

Equipment Breakdown insurance, also known as Boiler and Machinery coverage, provides protection for certain losses resulting from accidental mechanical or electrical equipment breakdown. Examples can include mechanical failures, power surges, pipe bursts, and boiler-related incidents.

This may apply when: major college mechanical, electrical, heating, cooling, or other covered equipment unexpectedly breaks down and causes damage.

Employee Resources: 
Link to SharePoint Insurance Folder  

Excess Liability insurance can provide additional protection when a covered liability claim exceeds the protection available through the State's primary self-insurance program.

This may apply when: a significant claim or incident creates potential liability beyond the State's primary liability protection.

Employee Resource: 
Link to SharePoint Insurance Folder 

Fine Arts insurance provides specialized protection for scheduled artwork and collections owned by or loaned to Seattle Colleges. Covered items may include paintings, sculptures, rare books, ceramics, collections, and other objects of artistic, rare, or historic significance.

This may apply when: a college owns, borrows, displays, transports, or receives on loan of valuable artwork or collections.

Employee Resources: 
Link to SharePoint Insurance Folder 

Foreign liability insurance provides certain protections for Washington State employees traveling internationally on official state business. Coverage may address third-party liability, hired vehicles overseas, and certain employment-related exposures and repatriation expenses.

This may apply when: an employee will be traveling internationally on approved Seattle Colleges business.

Employee Resources: 
Link to SharePoint Insurance Folder 

Marine insurance is available for certain qualifying vessels that are not covered through the State Self-Insurance Liability Program. Depending on the vessel and activity, coverage may address liability, physical damage, collision, salvage, and pollution-related exposures.

This may apply when: a college program owns or operates a vessel or watercraft, particularly as part of an instructional or operational program.

Employee Resources: 
Link to SharePoint Insurance Folder 

Out-of-State Workers' Compensation provides coverage for qualifying Washington State employees who work outside Washington for extended periods. DES identifies this coverage for employees working outside of Washington State for 30 or more days during a year, whether consecutive or nonconsecutive.

This may apply when: an employee's work assignment will require them to work outside Washington State for an extended period.

Employee Resources: 
Link to SharePoint Insurance Folder 

The Alliant Property Insurance Program (APIP) provides insurance for scheduled Seattle Colleges property. It generally protects against direct physical damage to covered property, including losses resulting from events such as fire, earthquake, and flood. APIP may also cover certain scheduled equipment and includes cyber liability coverage for participating institutions.

This may apply when: college buildings, equipment, or other scheduled property is damaged or experiences a significant loss.

Employee Resources: 
Link to SharePoint Insurance Folder  

The Public Officials Bond provides protection against certain financial losses associated with designated public officials failing to perform the duties of a covered position. The coverage applies to designated positions rather than being personal insurance for an individual employee.

This may apply when: an employee occupies a position for which a public official bond is required.

Employee Resources: 
Link to SharePoint Insurance Folder 

Most routine college activities may fall within existing state liability protections. However, certain events, venues, or higher-risk activities may require additional insurance. Special event insurance can provide additional liability protection when appropriate.

This may apply when: a college department is planning a special event, using an outside venue, entering into an event agreement, or participating in an activity where additional insurance is requested.

Employee Resources: 
Link to SharePoint Insurance Folder 

The Special Property Insurance Policy (SPIP) is an additional property insurance option available through DES for certain property that may be better suited to this program than the primary APIP property program. Coverage is subject to eligibility and insurance approval.

This may apply when: a college department has property or equipment that may require insurance but is not appropriately covered through the primary property program.

Employee Resources: 
Link to SharePoint Insurance Folder 

Student intern insurance helps address liability associated with students completing required internships, practicums, clinical experiences, and other experiential-learning activities.

Depending on the program, coverage may include Medical Student General Liability, Student Medical Malpractice, or Non-Medical Student Intern Professional Liability. These policies are particularly important when a clinical site, internship provider, or other external organization requires students to demonstrate liability or professional liability coverage before participating.

This may apply when: students participate in clinical placements, practicums, internships, or other required experiential-learning activities.

Employee Resources: 
Link to SharePoint Insurance Folder